Credit score is based on the credit card used by the bank, and the score given by the bank according to your repayment record and repayment credibility. Credit card points are credit card points obtained according to the specific consumption amount after you use the bank credit card. For example, if you spend 1 yuan = 1 credit point, the credit point can exchange gifts in official website or stores. The concepts of the two are quite different.

The funds in the debit card are all your own, and you can control them according to your needs. After the funds in the card are used up, you can't spend or withdraw money, so there is no credit.